US 11,900,380 B2
Blockchain architecture with record security
Andrew Sierra, Aurora, CO (US); and Chackan Lai, San Jose, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Appl. No. 16/627,222
Filed by Visa International Service Association, San Francisco, CA (US)
PCT Filed Aug. 7, 2017, PCT No. PCT/US2017/045772
§ 371(c)(1), (2) Date Dec. 27, 2019,
PCT Pub. No. WO2019/032089, PCT Pub. Date Feb. 14, 2019.
Prior Publication US 2020/0250676 A1, Aug. 6, 2020
Int. Cl. G06Q 20/40 (2012.01); H04L 9/06 (2006.01); G06Q 20/38 (2012.01); H04L 9/08 (2006.01); H04L 9/30 (2006.01); H04L 9/32 (2006.01); H04L 9/00 (2022.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/3825 (2013.01); H04L 9/0637 (2013.01); H04L 9/0897 (2013.01); H04L 9/302 (2013.01); H04L 9/3247 (2013.01); G06Q 2220/00 (2013.01); H04L 9/50 (2022.05); H04L 2209/56 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a validation node from an acceptance node, a transaction record for a transaction conducted between the acceptance node and a user, the transaction record including at least information related to the user and transaction details;
identifying, based on the information related to the user, a blockchain associated with the transaction conducted between the acceptance node and the user;
appending the transaction record to the blockchain;
generating a signature by:
generating a first hash of at least a portion of the information related to the user;
generating a second hash of at least a portion of the transaction details;
combining the first hash and the second hash into a text string,
wherein combining the first hash and the second hash comprises concatenating the first hash and the second hash;
hashing the text string to form a third hash, the third hash being a derivative of the text string; and
signing the derivative of the text string, using a private key associated with the validation node to form the signature;
attaching the signature to the transaction record that is appended to the blockchain to update the blockchain, wherein the blockchain is a ledger storing information regarding transactions conducted between one or more acceptance nodes and the user; and
sending, to the one or more acceptance nodes that are associated with one or more resource providers computers, the updated blockchain;
verifying, by the one or more resource providers computers, verify the a second transaction with the user based on the information stored in the updated blockchain;
determining, by the one or more resource provider computers, determine a level of risk associated with the second transaction; and
determining, by the one or more resource provider computers, detcrminc whether to conduct the second transaction based on the determined level of risk.